I opened a checking account with the Bank of New York today, and I was looking over their fees after I got home. Apparently they charge $12.00 for incoming wire transfers? I use Paypal a lot, so, will I get charged $12.00 everytime I transfer money from my Paypal account to my bank account? Also, to verify my account with Paypal, Paypal needs to transfer a few cents into the account. I hope they don't charge me $12 for a $0.05 deposit! Maybe I should have just stayed with Citibank.